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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Hilton Honors Surpass

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash Preferred

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
—
Min spend
$3,000 / 6mo

Top earning rates

  • 6×U.S. supermarkets · Reward Dollars
  • 3×Gas at U.S. gas stations
  • 3×Transit
  • 1×Other eligible purchases · Reward Dollars

Key benefits

  • $120 Disney Streaming Credit · $10
  • Car Rental Loss and Damage Insurance · $0
  • Global Assist® Hotline · $0
  • Purchase Protection · $0
  • American Express Venue Collection · $0
Full American Express Blue Cash Preferred review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
~$520
Min spend
$3,000 / 6mo

Top earning rates

  • 12×Hotels and resorts within the Hilton portfolio · Hilton Honors
  • 6×U.S. restaurants
  • 6×U.S. supermarkets
  • 6×U.S. gas stations

Key benefits

  • Free Night Reward (Spend Tier) · $300
  • $200 Hilton Credit · $50
  • Hilton Honors® Gold Status · $0
  • National Emerald Club Executive Status · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Hilton Honors Surpass review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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